Thursday, July 11, 2013

Insurance For Business

Information for Small, Mid-Sized and Large Businesses from Travelers

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Insurance options to help mitigate risk and protect your company

Risk is a common factor in everyday business. That’s why Travelers offers a wide range of business insurance options to help mitigate risk and protect your company. Whether you have a small, mid-sized, large or even highly specialized business, our dedicated underwriting, claims and risk control services can match your unique coverage and compliance needs.

Small business insurance made simple

At Travelers, we know choosing the right insurance for your business is an important decision. That’s why we’ve created one of the best portfolios of small business insurance coverages.
Whether you’re a store owner, office professional or wholesaler, our flexible, streamlined small business insurance coverages are designed to protect you against the unique risks and exposures you face – so you can tend to your business and rest assured that it is protected in every imaginable way.
As an industry leader, we pride ourselves in delivering excellence in every phase of our operations. Our insurance professionals work diligently to provide superior products and superior service. Listed below are a few reasons why Travelers should be your carrier of choice:
  • Financial stability
  • Flexible, competitive products
  • A dedicated team of professionals
  • Excellent customer service
  • Cutting-edge technology
  • Fast and efficient claim service
  • Risk control expertise

Customized commercial insurance by industry

No matter what business you’re in, having the right property and casualty protection for your industry is essential. Travelers Commercial Accounts sells a broad range of property and casualty insurance products targeting mid-sized, guaranteed cost businesses that have 50 to 1,000 employees and estimated insurance premiums of $50,000 to $1 million.
Our products are offered by industry under our IndustryEdge® product line. Each is designed with industry-specific underwriting, risk control and claims services – plus the ability to customize based on your business’ risk needs.
To anticipate and meet the challenges of our mid-sized business customers, we offer a team of service experts with an elevated perspective that help manage risks and resolve issues quickly. Learn more about how you can benefit from our Umbrella of Services.

Mid-sized product list

Learn more about our IndustryEdge products for:

Specialized risks – all sizes

Learn more about our products for:

Insurance for large businesses

Travelers offers a broad range of insurance and risk management options to large businesses and organizations. We specialize in designing sophisticated programs that leverage our product breadth to meet even the most challenging requests.

Property solutions

Travelers National Property offers cost-effective insurance programs for large commercial property insureds covering buildings, personal property and time element exposures. From the traditionally-structured to the highly-complex, we tailor property insurance solutions to meet each client’s unique needs, risk appetite and budget. Learn more »

Casualty solutions

The risk management needs of large organizations require flexible, customer-focused solutions. Travelers, through its National Accounts division, is an industry leader in providing tailored bundled and unbundled loss-sensitive primary casualty programs and claim administration services for customers that generate $1 million or more in total cost of risk. Learn more »

Customized Property Coverage®

National Property provides customized, cost-effective insurance solutions for owners of large commercial properties within an extremely broad variety of industries. Because one size does not fit all, our flexible and responsive property insurance policies are individually designed to meet each customer’s unique needs – covering their buildings, personal property and time element exposures.

Customized deals

Utilizing our highly flexible commercial property form, we’ll work with you to design tailored insurance solutions that meet your unique business needs. Our highly experienced underwriters cover every corner of the nation, and can write the international property exposures of domestic companies as well. We are your source for traditionally structured policies as well as complex alternative market approaches including:
  • Primary or excess
  • Blanket or loss limits
  • Deductible buy backs
  • Quota share
  • Aggregate deductibles
  • Captive & risk retention group fronting
  • Reinsurance assumed

Products/capacity/services:

Travelers extremely flexible property form allows a tremendous variety of insurance program options including ground up, primary, layered, excess, quota share, reinsurance assumed and non-admitted. We have significant capacity to write large accounts.
  • Substantial net & treaty capacity
  • Flood
  • Earthquake
  • Superior claim and engineering services
  • Larger properties, including highly protected risks
  • Innovative risk control
  • Global coverage in over 90 countries

Sample of classes of business written

National Property provides a ready market for a very broad variety of domestic U.S. industries. We will entertain almost any class of business in any format. Examples of our book of business include:
  • Real estate
  • Hotels and motels
  • Retailers
  • Industrial parks
  • Builders’ risk
  • Apartments
  • Restaurants
  • Amusement parks
  • Manufacturing
  • Colleges & universities
  • Theaters
  • Public entities
  • Supermarkets
  • Contractors equipment
  • Schools
  • Food processing
  • Plastic and metal workers
  • Banks
  • Soft drink bottlers
  • Warehouses
  • Steel workers
  • Hospitals
  • Communications
We can round out your property program with:
  • Boiler and machinery
  • Inland and ocean marine
  • Crime
  • Global/International

Specialized property programs

Travelers is also an industry leader in writing non-traditional and specialty market First Party Programs. In association with our program managers, Travelers makes it easy to place business within a variety of specialized markets including, but not limited to:

National Property – Excess property market

Travelers’ National Property’s in-house excess capabilities include:

  • Attachment points of $1,000,000 or greater
  • Over $400,000,000 of net and treaty per location capacity
  • Large and complicated risks, including HPR
  • Innovative risk control
  • Responsive claim services
  • Account executives with decision-making authority
  • Able to round out property programs to include: Equipment breakdown, inland, crime and global/international coverages
  • Availability of facultative reinsurance to increase total capacity

Customer-focused casualty solutions

National Accounts provides tailored bundled and unbundled loss-sensitive primary casualty programs and claim administration services for customers with $1 million or more total cost of risk.

Experienced underwriting

  • Our local, experienced underwriting and service professionals, broad products and services portfolio, and proprietary risk management information system work together to design and execute the most effective solution to clients’ risk management challenges and to help them achieve their strategic objectives.

Insurance products

Primary casualty coverage includes workers compensation, general/product liability and auto liability. We also offer single parent, group and association captive programs.

Loss-responsive solutions

We offer flexible program design for large deductible and retrospectively rated plans, self-insured retention plans, customized retention plans, unbundled individual risk transfer, captives and stand-alone claim services.

National accounts representatives
Central Mark O’Brien – 312.458.6445 IA, IL, IN, KS, MN, MO, ND, NE, SD, WI Great Lakes Suzanne Sandusky – 412.232.1350 KY, MI, OH, MI, PA, WV North / Metro Jim Anderson – 917.778.6575 DE, MD, NJ, Lower NY, PA-East   © 2013 The Travelers Indemnity Company. All rights reserved. Privacy Center | Legal Notices | Producer Compensation Disclosure
Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
www.nationwide.com/joshlewis
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